By JS Unlimited Properties – Serving Richmond County, NC with Faith and Integrity
If you’re facing bankruptcy, you’re likely feeling overwhelmed, unsure, and perhaps even a bit hopeless. Questions start to pile up—especially about what you can and can’t do with your home. One of the most common questions we get from homeowners in Richmond County is:
“Can I sell my house during bankruptcy?”
The short answer is: yes, but there are some important details to understand. Whether you’re in Chapter 7 or Chapter 13 bankruptcy, it’s possible to sell your home, but you’ll need to take the right steps and work with the right people to do it legally and in your best interest.
Let’s break it down in a simple, faith-led way.
Understanding the Basics of Bankruptcy and Home Sales
Bankruptcy is designed to help individuals and families manage overwhelming debt. Depending on your specific filing (usually Chapter 7 or Chapter 13), your assets—including your home—may be involved in settling your obligations.
- Chapter 7 Bankruptcy typically involves liquidating non-exempt assets to pay creditors. In many cases, your home may be protected under a homestead exemption, but not always.
- Chapter 13 Bankruptcy allows you to reorganize your debt and make payments over time. You generally keep your home, but your repayment plan may limit what you can do with it.
In both cases, selling your home is possible, but you’ll need to get approval from the bankruptcy court and/or trustee managing your case.
Why Someone Might Want to Sell During Bankruptcy
There are several reasons why selling your house during bankruptcy might actually help you:
- Avoid foreclosure by selling before the bank takes it.
- Get a fresh start by eliminating high mortgage payments.
- Settle your debts more efficiently and possibly keep more equity.
- Protect your credit score from the additional damage a foreclosure could cause.
At JS Unlimited Properties, we’ve worked with homeowners in Richmond County who thought they had no way out—until they learned they had the right to sell.
Steps to Selling a Home During Bankruptcy in NC
If you’re wondering how to begin, here’s what a typical path might look like:
- Notify your attorney and trustee. They’ll need to approve the sale, and your attorney can help file the right motions.
- Get the home valued. Whether it’s through an appraiser or a real estate investor like us, knowing the home’s worth is key.
- Find a buyer. In many bankruptcy cases, cash buyers or investors are preferred because the process is faster and less complicated.
- Get court approval. The court will need to approve the final sale amount and ensure it’s in the best interest of creditors.
- Close the sale. After approval, the process moves like any typical real estate transaction.
The good news is that you are not alone in this. With the right guidance and a trustworthy buyer, you can turn a challenging situation into a fresh chapter.
A Faith-Based Perspective
We believe that no matter how overwhelming your financial situation feels, God can make a way where there seems to be no way. At JS Unlimited Properties, our mission is not just about buying homes—it’s about serving people in their time of need.
Selling a home during bankruptcy isn’t just a legal process—it’s an emotional and spiritual one, too. That’s why we handle every situation with compassion, integrity, and discretion.
We’ve seen homeowners who felt stuck in fear and shame walk away with relief, dignity, and peace. We believe the same can happen for you.
Final Thoughts
Yes, you can sell your house during bankruptcy in NC. It takes communication, legal steps, and a buyer who understands the process. If you’re feeling overwhelmed by your situation, know this:
There is hope, and there are options.
Ready to Take the Next Step?
If you’re exploring how to sell your house during bankruptcy in NC, we’re here to walk you through every step. At JS Unlimited Properties, we serve Richmond County homeowners with faith, fairness, and fast solutions.
👉 Contact us today for a free, confidential consultation—no pressure, no gimmicks, just help when you need it most.
📞 Call us at 910-304-0824
🌐 Visit https://www.jsunlimitedproperties.com/ to learn more